What is Decks FlexFinance?
It's our flexible DJ Equipment finance option which we are able to offer as an intermediary for credit products supplied by Pay4Later Ltd. Finance is available on all orders over £280. Please read on to see how you can apply.
Who can apply for DJ Equipment credit?
The finance company can only consider your application if:
- You are 18 years old or over, and employed at least 16 hours per week.
- You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies.
- You are a permanent UK resident and able to supply a UK address history for the last 3 years.
Applications from students (unless employed at least 16 hours per week) or unemployed single house persons will not be considered.
Do not apply if you have been declined credit in last 60 days as your application will be automatically pre-declined!
Available Finance Options
- 12 Months at 0% APR (for orders over £280)
- 24 Months at 0% APR (for orders over £280)
- 36 Months at 9.9% APR (for orders over £280)
- 48 Months at 9.9% APR (for orders over £280)
Purchase Price £389
Amount of Credit £350.10
12 Monthly Payments £29.17
Total Repayable £389
Duration 12 months
Rate of Interest (fixed) 0%
0% APR Representative
Purchase Price £879
Amount of Credit £791.10
36 Monthly Payments £25.33
Total Repayable £999.92
Duration 36 months
Rate of Interest (fixed 9.9%)
9.9% APR Representative
Purchase Price £1759
Deposit £ 175.90
Amount of Credit £1583.10
48 Monthly Payments £39.76
Total Repayable £2084.45
Duration 48 months
Rate of Interest (fixed) 9.9%
9.9% APR Representative
How does it work?
Simply click on the blue Decks FlexFinance button on a product page or add the desired items to your basket and choose the FlexFinance payment option in the checkout.
Choose your desired deposit amount, payment plan, complete the online credit application form, then carefully read the agreement and related information.
If you are happy to proceed, you can sign the agreement online and click a button to send it to the finance company for an instant decision. If you are approved you will be asked to pay the deposit online using a credit or debit card. Upon receipt of your deposit payment, Decks will be authorised to proceed with your order.
How long does it take to apply online?
The online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason they can't give you an instant decision, an email will be sent to you the moment the finance company makes a decision.
When will I receive my goods?
Upon receipt of your deposit payment, Decks will be authorised to proceed with your order. It will be delivered within two business days, unless stated otherwise on the product availability. Should there be any problems with your order, a Decks Sales Team member will contact you, please make sure you provide a valid email address and phone number.
Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.
Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.
Do I need to pay a deposit?
Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary and on the credit agreement itself.
Is it safe to apply on line? Will my details be secure?
Yes. It is extremely safe to apply on-line. Your personal information is encrypted before transmission to ensure it cannot be viewed by any unauthorised third party. The Pay4Later finance gateway uses proven techniques to ensure the security and integrity of sensitive data. Pay4Later public web servers are certified by Thawte, a leading Certificate Authority, ensuring that both the consumer and the retailer can have confidence that nobody can impersonate Pay4Later to obtain confidential information. Data storage on Pay4Later systems and the communication between Pay4Later and our partner lenders, is regularly audited to the highest standards to ensure a secure transaction environment. This includes specific regular third-party testing for vulnerabilities and reviews of application security and access control procedures.
What personal information do you need?
We require personal details like your name, address, phone numbers and income. Plus your bank account and credit or debit card details. We need this information so we can be sure who's applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.
Do I have to provide ID?
Please note that for security measures we may require a proof of ID after your application has been approved and your deposit has been paid. This step is to verify your transaction, and a check will be done on any ID provided. If your ID fails the check or you are unable to provide a valid proof of ID the retailer will be in contact regarding. Should you need to provide ID you will be notified via email from Pay4Later.
Is the application confidential? Yes. Your credit application is treated in the strictest confidence. We will not contact your employers, bank or any other third party.
What if my enquiry is not answered by the FAQs?
If your enquiry cannot be answered by the FAQ please do not hesitate to get in touch:
Decks (Sapphires Ltd)
4-6 Burlington Parade
Tel:0333 123 0404
E-mail us now